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dream66 · 2024年07月30日

a family foundation的含义是什么

  1. CFA III
  2. Asset Allocation

NO.PZ2018110601000001

问题如下：

The White has an investment portfolio consisting of $500,000 in equities and $330,000 in fixed income products. The White also own a residence valued at $350,000, which includes $175,000 in mortgage debt. It is estimated that the pre-retirement earnings in this family have a total present value of $980,000, and the future expected consumption have a total present value of $870,000.

The White plans to fund their children’s college tuition fee of $150,000 at present value. They also express the desire to fund a family foundation in 25 years, which has an estimated present value of $600,000.

Use the information above to prepare an economic balance sheet for the White. The economic net worth is:

选项：

A.

$365,000

B.

$1,005,000

C.

$2,280,000

解释：

A is correct.

考点：economic balance sheet

解析：economic balance sheet不仅包含了传统的资产和负债，还包含了extended assets & liabilities，例如养老金、未来消费的现值。

Total economic assets=equity + fixed income + residence + PV (pre-retirement earnings)= $500,000+$330,000+$350,000+$980,000=$2,160,000

Total economic liabilities = mortgage debt + PV (consumption)+ PV (tuition fee)+ PV (foundation)= $175,000+ $870,000 +$150,000 +$600,000=$1,795,000

所以economic net worth= Total economic assets- Total economic liabilities=$2,160,000-$1,795,000= $365,000

They also express the desire to fund a family foundation in 25 years, 这里的family foundation怎么理解，是负债嘛

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1 个答案

lynn_品职助教 · 2024年07月30日

嗨，努力学习的PZer你好：


是负债，家族信托基金啊


这是一笔支出，现金流方向是流出的，


假设我们设立家庭基金的方式是存一个定期，时间是现在，我们是不是要掏出一笔钱存起来，实际上信托基金是很复杂的一个合同哈。

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努力的时光都是限量版，加油！

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相关问题

NO.PZ2018110601000001 问题如下 The White hinvestment portfolio consisting of $500,000 in equities an$330,000 in fixeincome procts. The White also own a resinvalue$350,000, which inclus $175,000 in mortgage bt. It is estimateththe pre-retirement earnings in this family have a totpresent value of $980,000, anthe future expecteconsumption have a totpresent value of $870,000. The White plans to funtheir chilen’s college tuition fee of $150,000 present value. They also express the sire to funa family fountion in 25 years, whihestimatepresent value of $600,000. Use the information above to prepare economic balansheet for the White. The economic net worth is: $365,000 $1,005,000 $2,280,000 A is correct. 考点：economic balansheet 解析：economic balansheet不仅包含了传统的资产和负债，还包含了extenassets & liabilities，例如养老金、未来消费的现值。 Total economic assets=equity + fixeincome + resin+ PV (pre-retirement earnings)= $500,000+$330,000+$350,000+$980,000=$2,160,000 Total economic liabilities = mortgage + PV (consumption)+ PV (tuition fee)+ PV (fountion)= $175,000+ $870,000 +$150,000 +$600,000=$1,795,000 所以economic net worth= Toteconomic assets- Toteconomic liabilities=$2,160,000-$1,795,000= $365,000 为什么说构建家庭基金是负债端呢？

2022-08-05 11:50 1 · 回答

NO.PZ2018110601000001 $1,005,000 $2,280,000 A is correct. 考点economic balansheet 解析economic balansheet不仅包含了传统的资产和负债，还包含了extenassets & liabilities，例如养老金、未来消费的现值。 Toteconomic assets=equity + fixeincome + resin+ PV (pre-retirement earnings)= $500,000+$330,000+$350,000+$980,000=$2,160,000 Toteconomic liabilities = mortgage + PV (consumption)+ PV (tuition fee)+ PV (fountion)= $175,000+ $870,000 +$150,000 +$600,000=$1,795,000 所以economic net worth= Toteconomic assets- Toteconomic liabilities=$2,160,000-$1,795,000= $365,000 这里面的350包含175的房贷，那么是不是应该175作为资产（除去房贷的资产）、175作为负债（贷款）

2021-12-03 15:45 1 · 回答

$1,005,000 $2,280,000 A is correct. 考点economic balansheet 解析economic balansheet不仅包含了传统的资产和负债，还包含了extenassets & liabilities，例如养老金、未来消费的现值。 Toteconomic assets=equity + fixeincome + resin+ PV (pre-retirement earnings)= $500,000+$330,000+$350,000+$980,000=$2,160,000 Toteconomic liabilities = mortgage + PV (consumption)+ PV (tuition fee)+ PV (fountion)= $175,000+ $870,000 +$150,000 +$600,000=$1,795,000 所以economic net worth= Toteconomic assets- Toteconomic liabilities=$2,160,000-$1,795,000= $365,000 net worth和net wealth有什么区别。。。

2020-07-01 21:31 1 · 回答

$1,005,000 $2,280,000 A is correct. 考点economic balansheet 解析economic balansheet不仅包含了传统的资产和负债，还包含了extenassets & liabilities，例如养老金、未来消费的现值。 Toteconomic assets=equity + fixeincome + resin+ PV (pre-retirement earnings)= $500,000+$330,000+$350,000+$980,000=$2,160,000 Toteconomic liabilities = mortgage + PV (consumption)+ PV (tuition fee)+ PV (fountion)= $175,000+ $870,000 +$150,000 +$600,000=$1,795,000 所以economic net worth= Toteconomic assets- Toteconomic liabilities=$2,160,000-$1,795,000= $365,000 请问net worth 不是只计算trationasset和liability的值吗？

2020-07-01 21:25 1 · 回答